Archive for the ‘Consumer activism’ Category

A study in contrasts: handling stolen email lists

Monday, April 4th, 2011

I try to make a habit of giving out “tagged” email addresses to web sites when I sign up for accounts / mailing lists / whatever. For example, when creating an account at widgets.com, instead of just signing up as “jik@kamens.us”, I might sign up as “jik+widgets@kamens.us”. It ends up in the same mailbox regardless, and it gives me some visibility into who is sharing or selling or allowing my email address to be stolen.

About six months ago, I started getting spam from an email address that I had only used in one place: signing up one of my kids for a Scholastic, Inc. book club through their web site back in 2007.

I contacted Scholastic and told them that either they were selling my email address and it needed to stop, or they had suffered a data breach of at least customer email addresses, if not more.

In response, Scholastic’s CISO informed me that Scholastic doesn’t sell email addresses to third parties; their children’s book club business was sold to Sandvik Publishing in 2008; the email address in question was no longer in Scholastic’s database; and I should contact Sandvik if I wished to pursue the matter further.

I sent a reply to the CISO which read as follows:

I don’t recall ever being asked whether I considered it OK for Scholastic to sell my PII to another company. This is especially disturbing since at that point I was no longer a customer of Scholastic’s for the business that was sold.

Granted, your privacy policy gives you the legal right to sell any information you collect to anyone you want. The fact that you are legally permitted to do that doesn’t make it right.

Your privacy policy also says, “Scholastic ensures that all personally and non-personally identifiable information that it receives via the Internet is secure against unauthorized access.” Alas, you apparently do not consider it your responsibility to ensure that the third parties to whom you sell PII keep it as secure as you claim to do yourselves. That is rather disappointing.

I will contact [Sandvik] as you have suggested. However, if I were in your shoes, I would be extremely concerned that a third party to whom Scholastic had sold PII allowed it to be compromised, and I would consider it my responsibility to investigate the issue myself, rather than leaving the wronged (former) Scholastic customer entirely on his own.

I received no further response from Scholastic.

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Google AdWords is staffed by poorly trained monkeys

Monday, April 4th, 2011

Back when I was doing my week-long Shave a Redhead for Israel fundraiser, Google’s search index was taking an unusually long time to index the fundraiser page. This was a problem because I was publicizing the fundraiser and telling people they could find it easily by searching for “Shave a Redhead for Israel”, but they actually couldn’t.

The fundraiser was only a week long, and four days in, Google still hadn’t indexed it. Luckily, Google had recently sent me an offer for $100 in free AdWords advertising to get me to try AdWords. I decided to take advantage of that $100 offer and set up an AdWords campaign to match searches for “Shave a Redhead for Israel”.

I called Google’s AdWords department and worked with the sales representative there to set up the campaign. I told him, several times and in several different ways, that my only goal was to direct people who Googled for “Shave a Redhead for Israel” to my campaign page. I told him I didn’t wants ads to be placed on other pages — I just wanted sponsored links on Google’s search page — and I told him specifically that I just wanted that one phrase, “Shave a Redhead for Israel”.

Despite my repeated instructions, he set up a campaign which matched all sorts of keywords and ran ads all over the Internet, not just sponsored links. By the time I discovered this the next morning and fixed the campaign, it had racked up almost $60 in charges for ads I didn’t want and didn’t need.

But that’s not the worst of it. In addition to screwing up the campaign, he failed to apply the $100 promotional credit to my account. As a result, a few weeks later Google charged my credit card for almost $60 in advertising that was supposed to be free, and, to be clear, was for a non-profit fundraiser from which I didn’t make a cent of profit.

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AT&T GoPhone disservice

Sunday, March 27th, 2011

Dear AT&T,

Some people don’t pay for their own cell phones. There’s a reason why account emails about my 12-year-old daughter’s cell phone go to me instead of her. Thanks for screwing that up!

Sincerely,

An unimpressed customer


In reference to:

Dear AT&T GoPhone® Customer:

We want to alert you that future notifications regarding payments and related activity will be sent to you in the form of a free text message to your handset rather than email.

Visit us at www.att.com/gophone to view your account history, check your expiration date, and refill your account.

If you need to contact us please dial 611 from your handset or call 800-901-9878. Please do not reply to this email, as we are unable to respond from this address.

We greatly appreciate the opportunity to serve you.

Sincerely,

AT&T
GoPhone Payment Center

 

HSBC gets it wrong a second time

Monday, March 14th, 2011

Today, I received a second letter from HSBC, claiming once again that they sent me a Statement Available Alert on January 13, despite my twice providing proof that they did not.

They also claimed that they were not in violation of the Truth in Lending Act because the Act only requires them to make statements available on their Web site at least 21 days before the payment due date. I.e., the law does not actually require them to notify customers that their statements are available and they have a payment due.

It turns out they’re right… I also received today a letter from the Office of the Comptroller of the Currency confirming that the law does not require banks to send electronic statement notifications to customers who agree to receive their statements on-line.

In short, customers who agree to save the bank money and help the environment by not receiving statements on paper, lose the protection of the law when it comes to requiring the bank (or not) to notify them about payment due dates.

Here is the letter that I would send back to HSBC were I willing to waste paper, an envelope and a stamp on it (the HSBC “Executive Liaison” with whom I have been corresponding has not provided either an email address or a fax number, and I refuse to waste my time conducting business of this sort in telephone conversations):

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Computershare is WAY better than BNY Mellon

Saturday, February 26th, 2011

Recently, I wrote about BNY Mellon’s inept handling of 2010 1099-OIDs for Israel bonds, my relief that the State of Israel had decided to replace BNY Mellon with Computershare as the fiscal agent for Israel Bonds purchased in the U.S., and my hope that Computershare would be better than BNY Mellon.

Less than 12 hours after I posted that blog entry, I received email from someone at Computershare:

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HSBC takes its cue from the “we’re a large corporation and we don’t care about you” playbook

Saturday, February 26th, 2011

I’m not going to bother to reprint the response I received from HSBC to my recent complaint. Instead, I will reproduce the response I just sent them:

25 Foster Street
Brighton, MA 02135-2616

February 26, 2010

[name elided]
Executive Liaison
Office of the President
HSBC Card and Retail Services
P.O. Box 80026
Salinas, CA 93912

Dear Ms. [name elided],

I have received your letter dated February 18 in response to complaint #[elided] which I filed with the Office of the Comptroller of the Currency. Your letter does not in any way address my complaint.

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Thank God Israel Bonds kicked BNY Mellon to the curb

Wednesday, February 16th, 2011

My wife and I own a number of Israeli Bonds purchased over the course of many years (typically after annual High Holiday appeals). Many of these bonds are Original Issue Discount (OID) bonds. Dispensing with all the technical details, the general idea of an OID bond is that you get a 1099-OID statement every year showing how much you have to report to the IRS and pay taxes on as income, but you don’t actually get the money you’ve thus reported until the bond matures and you redeem it.

Until very recently, Israeli Bonds sold in the United States were administered by BNY Mellon. They’ve been the agents for some other stock I’ve owned, and they have been consistently difficult and unpleasant to deal with.

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HSBC figures out clever money-making strategy: don’t email statement until after payment is due

Friday, February 11th, 2011

My wife and I have a Jordan’s Furniture charge account issued by HSBC NV, a somewhat shady subsidiary of HSBC with a history of predatory lending and suspicious practices. They issue “private label” charge accounts for Jordan’s and many other retailers.

We have a balance on the account under one of their frequent “buy now, pay later with no interest” promotions, which they offer to virtually anyone who is eligible for a charge account. As long as we make the minimum monthly payments on time and pay off the entire balance before the end of the promotion, we will pay no interest. However, if we are late for just one payment, the promotion is canceled automatically and we have to pay a high interest rate retroactively back to the day we made the purchase.

We are signed up for paperless billing on the account. Instead of sending us a paper statement every month, they post our statement on their Web site and send us email notifying us that it’s available.

Several months ago, that email never arrived. (more…)

Shaving a Redhead for Israel!

Wednesday, February 2nd, 2011

Citizens Bank credit card dispute idiocy

Friday, January 28th, 2011

I recently sent Citizens Bank, the issuer of our primary credit card, a letter disputing a charge on the card. Being eminently familiar with the rules surrounding such disputes, I included in my letter all of the required information. A week or so later, I got back this letter: (more…)